WNB Financial, N.A.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The biggest quarter-over-quarter change on this page was a small one: Retained earnings edged up 2.5% between Q1 2026 and Q2 2026, to $47.5M.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.31% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $60.4M |
| Tier 1 capital | $60.4M |
| Total risk-based capital | — |
| Total equity capital | $60.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.32% |
| Tangible equity to tangible assets | 8.79% |
| Equity capital to average assets | 10.11% |
| Internal capital growth rate | 7.84% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $985K |
| Common stock surplus | $21.8M |
| Retained earnings | $47.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$10.0M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 9.65% | 8.25% | 6.60% |
| Q4 2023 | 9.54% | 8.82% | 7.18% |
| Q1 2024 | 9.97% | 9.17% | 7.48% |
| Q2 2024 | 9.89% | 9.44% | 7.73% |
| Q3 2024 | 10.27% | 9.63% | 7.97% |
| Q4 2024 | 9.90% | 9.41% | 7.77% |
| Q1 2025 | 10.50% | 9.96% | 8.29% |
| Q2 2025 | 10.08% | 9.97% | 8.33% |
| Q3 2025 | 10.48% | 10.23% | 8.61% |
| Q4 2025 | 10.13% | 10.04% | 8.49% |
| Q1 2026 | 10.54% | 10.33% | 8.76% |
| Q2 2026 | 10.31% | 10.32% | 8.79% |
WNB Financial, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock WNB Financial, N.A., freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full WNB Financial, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5280) · FFIEC NIC profile (RSSD 220059)